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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Banking Question-Does anyone have free-overdraft on thier checking account?
I'm not happy with my current bank (washington mutual)...I used to bank with Chase, and they had free overdraft-but a high monthly service charge....so, I would like to switch to another bank....
who do you ladies use?
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Posted 12/28/05 1:08 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
LadyPrincess
Live Life with No Regrets
Member since 5/05 2298 total posts
Name:
Chris
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
if anyone on yr circle or family can recommend a credit union - that maybe an option. the large commercial banks charge huge fees -credit unions are more customer friendly
JMHO
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| Posted 12/28/05 1:12 PM |
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LAMGAJ28
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Member since 10/05 6039 total posts
Name:
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by LFitzy79
I'm not happy with my current bank (washington mutual)...I used to bank with Chase, and they had free overdraft-but a high monthly service charge....so, I would like to switch to another bank....
who do you ladies use?
For Chase....... they usually don't have any monthly service charge on accounts as long as you keep a certain amount of $$ in the account....
Or are you referring that you need to have a specific amount in your checking account balance, otherwise they charge you?
Message edited 12/28/2005 1:13:52 PM.
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| Posted 12/28/05 1:13 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
oh...that's a good idea....actually I can get into suffolk federal credit union...I wonder what the benefits are for thier accounts....hmmm.....
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| Posted 12/28/05 1:13 PM |
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KarenK122
The Journey is the Destination
Member since 5/05 4430 total posts
Name:
Karen
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
I use Citibank and we don't have a fee for our overdraft.
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| Posted 12/28/05 1:14 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by MrsFresca
Posted by LFitzy79
I'm not happy with my current bank (washington mutual)...I used to bank with Chase, and they had free overdraft-but a high monthly service charge....so, I would like to switch to another bank....
who do you ladies use?
For Chase....... they usually don't have any monthly service charge on accounts....or are you referring that you need to have a specific amount in your checking account balance?
no, it was a monthly service charge for my checking account....the balance wasn't an issue...
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| Posted 12/28/05 1:14 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
thanks!
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| Posted 12/28/05 1:15 PM |
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mrswask
Pookie Love
Member since 5/05 20229 total posts
Name:
Michal
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
I have free overdraft through my credit union.
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| Posted 12/28/05 1:16 PM |
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Mrs-Boop
My Babies
Member since 5/05 4956 total posts
Name:
Jaime
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
We belong to Nassau Educators Federal Credit Union and have 500 overdraft protection. It costs nothing per month to have it. However if you tap in to the overdrafted funds you get charged $17.
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| Posted 12/28/05 1:16 PM |
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LAMGAJ28
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Member since 10/05 6039 total posts
Name:
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....
Message edited 9/25/2011 3:20:55 PM.
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| Posted 12/28/05 1:17 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
I don't know why specifically...I had a checking account, I had free overdraft (there was no charge if I dipped into it)....and I had a monthly service charge...
I did not have a savings account...perhaps there are different rates and services based on the account that you have.
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| Posted 12/28/05 1:22 PM |
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Aga
hello baby Albert
Member since 9/05 7750 total posts
Name:
Aga
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
same here
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| Posted 12/28/05 1:24 PM |
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LAMGAJ28
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Member since 10/05 6039 total posts
Name:
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by LFitzy79
I don't know why specifically...I had a checking account, I had free overdraft (there was no charge if I dipped into it)....and I had a monthly service charge...
I did not have a savings account...perhaps there are different rates and services based on the account that you have.
I have a checking account with Chase and no monthly charges. That's weird.
Perhaps it's different for each account setup I guess.....
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| Posted 12/28/05 1:24 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by Aga
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
same here
nice, so I'll switch to citibank! Thanks ladies!!!!
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| Posted 12/28/05 1:38 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by MrsFresca
Posted by LFitzy79
I don't know why specifically...I had a checking account, I had free overdraft (there was no charge if I dipped into it)....and I had a monthly service charge...
I did not have a savings account...perhaps there are different rates and services based on the account that you have.
I have a checking account with Chase and no monthly charges. That's weird.
Perhaps it's different for each account setup I guess.....
I had the account a few years ago....maybe it was because I didn't maintain a certain balance, I'm not sure now....but I know I switched because of the monthly fee....anyway...I get paid every two weeks, and sometimes I need to dip into my overdraft a little, and washington mutual has huge overdraft fees....soooo....it's off to citibank I go!
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| Posted 12/28/05 1:39 PM |
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BabyBoy
is Skylar Elizabeth
Member since 5/05 4189 total posts
Name:
Tom
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Chase is free...technically it not Overdraft (anymore)...its a Line of Credit that piggy backs your checking account... its at a higher rate but if you just need it to get out of a jam,(check, credit, debit, etc..) and then repay it within a month, no charges.
knock on wood but i havn't needed to touch mine
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| Posted 12/28/05 1:41 PM |
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june262004
But I love the Snow!
Member since 5/05 15379 total posts
Name:
Kristin
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
I banked with Citibank and hated them. Their charges ARE INSANE.
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| Posted 12/28/05 1:43 PM |
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Baboots
I miss you grandma
Member since 8/05 1437 total posts
Name:
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
Us too. I used to have Wamu and I hated that they would charge $30.00 if you went over.
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| Posted 12/28/05 1:46 PM |
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CookiePuss
Cake from Outer Space!
Member since 5/05 14007 total posts
Name:
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by LFitzy79
Posted by Aga
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
same here
nice, so I'll switch to citibank! Thanks ladies!!!!
Citibank used to have this program, and still may, called "Bank at Work". Basically, if you had your check direct deposited you would have the fees waived for a Citibank Account. That is what I have and I don't pay any fees at all. I have overdraft protection and there is no cost to me having it...if I use it and maintain a balance, then I have interest payments.
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| Posted 12/28/05 1:46 PM |
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june262004
But I love the Snow!
Member since 5/05 15379 total posts
Name:
Kristin
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by Baboots
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
Us too. I used to have Wamu and I hated that they would charge $30.00 if you went over.
Dont most banks charge? I have the credit union and I was charged 27.00 the 1 and only time I had a problem with a check. With Wamu there are ways to get around that.
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| Posted 12/28/05 1:49 PM |
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LFitzy79
can hardly wait
Member since 5/05 2650 total posts
Name:
Lauren
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by shamrock12472
Posted by LFitzy79
Posted by Aga
Posted by KarenK122
I use Citibank and we don't have a fee for our overdraft.
same here
nice, so I'll switch to citibank! Thanks ladies!!!!
Citibank used to have this program, and still may, called "Bank at Work". Basically, if you had your check direct deposited you would have the fees waived for a Citibank Account. That is what I have and I don't pay any fees at all. I have overdraft protection and there is no cost to me having it...if I use it and maintain a balance, then I have interest payments.
oh cool, I have direct deposit, so that would be perfect!
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| Posted 12/28/05 2:00 PM |
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MrsPorkChop
Twinning!!
Member since 5/05 9941 total posts
Name:
Missy
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
citibank - i have $5000 overdraft but if you dont pay it back you get charged small interest after a month but its like nothing
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| Posted 12/28/05 2:09 PM |
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KarenK122
The Journey is the Destination
Member since 5/05 4430 total posts
Name:
Karen
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Re: Banking Question-Does anyone have free-overdraft on thier checking account?
Posted by preshy7
citibank - i have $5000 overdraft but if you dont pay it back you get charged small interest after a month but its like nothing
Exactly...I think last month I went over about $200 and was charged 14 cents. I beleive the overdraft limit is based on your credit score. If your credit score is low you may not even be offered the overdraft feature.
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| Posted 12/28/05 2:33 PM |
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